Loan amounts available up to $4 million.

Debt to income ratios available up to 55%.

Cash out is available for qualifying scenarios.

Requires a completed FNMA Form 1005 showing a 2-year history with the same employer.

Pay stubs, tax returns, 4506-C, and W-2s are not required.

Bank statements are not required up to 70% LTV.

Helps simplify qualification by using a Written Verification of Employment instead of a full traditional income package.

A strong option for wage earners with stable employment who want a cleaner documentation process. This is an inference based on the program’s documentation requirements.

Gift funds are allowed for eligible borrowers.

Bank statements only need to reflect employer deposits supporting at least 65% of gross income when required.

Offers flexibility for borrowers who may not want to provide tax returns or W-2s.

Provides access to higher loan amounts and cash out options for qualified applicants.

Wage earners with a stable 2-year history with the same employer.

Borrowers who want to qualify without submitting pay stubs, tax returns, W-2s, or 4506-C documents.

Clients seeking a more streamlined documentation process. This is an inference based on the program structure.

Borrowers interested in higher loan amounts up to $4 million.

Qualified applicants looking for cash out options and flexible CLTV limits.

Clients who can document employer deposit support when bank statements are needed.